Visbanking Logo
Skip to main content

Alma Bank

IDRSSD: 3633173
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q4QoQ +2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #3633173 2025-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.0% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +10

The five pillars

Liquidity

StableQoQ -1
71
Sub-score

Liquidity is stable: brokered 14.8%, loans/deposits 99.2%, cash 7.7% of assets.

Cash / Assets
7.73%
Loans / Deposits
99.18%
Brokered %
14.79%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.18%
No watch items at this period.

Capitalization

StableQoQ -1
77
Sub-score

Capital position is stable: Tier 1 RBC 11.81%, CET1 11.81%, leverage 10.26%.

Tier 1 RBC
11.81%
CET1
11.81%
Leverage
10.26%
No watch items at this period.

Asset Quality

StrongQoQ +4
94
Sub-score

Asset quality is strong: Adjusted NPL 1.15%, Texas Ratio 8.3%, NCO YTD -0.03%.

Adjusted NPL
1.15%
Govt-guarantees stripped
Texas Ratio
8.3%
NCO YTD
-0.03%
30-89 PD
0.19%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +10
69
Sub-score

Reserves are stable: ALLL 1.91% of loans, coverage 168.7%, true coverage 49.0%.

ALLL / Loans
1.91%
Coverage
168.7%
True Loss Coverage
49.0%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.0% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 08:54:37 UTC